Once the bank receives the appraisal, they will then submit it to underwriting to request a final approval with conditions (typically no change in income, clear title, etc.) and then give an estimated date for closing. The underwriting process varies, your loan officer should be able to give you the typical time frames. In my experience it can take from 48 hours to 10 days. Most loans today take about 45 days from signing to closing if that helps. If you are working with a real estate agent, be sure to have them watch your closing date on the contract and ask for an extension if your loan will not be ready by the date listed in the contract. In order to close on your home, the title company or attorney must have the loan documents. I hope that helps. Congratulations!